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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me


 As a mortgage professional with over 20 years of experience and a degree in Accounting from Penn State, I am available to provide knowledgeable information for all of your home financing needs. It would be a privilege to help you identify the financing solution that best meets your specific needs. 

I will provide exceptional service with a personal touch from first-time homebuyers to sophisticated jumbo borrowers or investors. I will guide you through the mortgage process step by step to ensure you understand the options available. I will follow through to your settlement and beyond. I take pride in being available for you long after your loan closing, and I'm always glad to help. If you are thinking about purchasing a home, investing in a multi-family property, or simply refinancing your current home, please give me a call. Thank you again for the opportunity to work with you. 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
5.0
4.0
4.98
5.0
Dwayne
Aug 29, 2025
York, PA
Verified

Rob Frey is an expert at what he does . Most of all, I appreciate his attention to detail and the way he communicates regularly with all parties involved. As a Realtor, I have worked with many lenders in the past. Rob Frey is my number one choice and my top recommendation for my buyer clients.
Casey
Aug 15, 2025
Columbia, PA
Verified

From start to finish, Rob went above and beyond to make this an experience that I felt comfortable with.
Chuck
Aug 15, 2025
Columbia, PA
Verified

The communication updates were fantastic, even via email notifications.
Doris
Jul 29, 2025
Dillsburg, PA
Verified

Rob Frey is reliable and always at the top of his game in communication with myself and my clients. He works diligently at finding the best possible finance sceanarifo for his clients and continues to deliver exemplary service from application to settlement. If you haven't worked with Rob before, you wil be pleased that you chose to do so.
Katie
Jul 31, 2025
Wormleysburg, PA
Verified

Rob was great with communication and always encouraging and knowledgeabl. We always felt that we were in great hands!
Andrew
Jul 25, 2025
Harrisburg, PA
Verified

Rob was professional and his competence to navigate the complaxity of obtaining a mortgage was clear. If I am ever in the market again for a loan, I will ask to work with Rob.

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #147464
I am authorized to do business in the state of Pennsylvania.